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The end of the mortgage workhorse: Adapting to a new lending ecosystem
The mortgage industry is incredibly different than it was five years ago. Gone are the days when lenders could steer borrowers of all shapes, sizes, and needs into a one-size-fits-all loan product. The emphasis on traditional “workhorse” mortgages that dominated the post-2008 financial crisis era—particularly FHA and VA loans—is now giving way to a focus on diverse product portfolios combined with lender advice and consultation. This shift is driven by shifting consumer expectations, technological innovation, and a more comprehensive understanding of borrower needs. In response to those changes, mortgage lenders increasingly position themselves as financial advisors and deepen and diversify their product offerings.
Why has housing inventory growth slowed?
Housing inventory growth has slowed in 2025 due to early peak listings, changing mortgage rates, and seller withdrawals.
Mississippi among slowest markets as gap with U.S. widens
Mississippi homes take a median of 91 days to sell, three weeks longer than the U.S. average, shifting leverage to buyers.
Foreclosure activity jumps 13% from a year ago to reach 2025 peak
Nationwide, one in every 3,939 housing units had a foreclosure filing in July, and Nevada led as the state with the highest foreclosure rate.
Mortgage delinquency rates improved in Q2 but show future warning signs
MBA’s Marina Walsh warns that labor market softening and rising consumer debt in other areas could drive mortgage delinquencies higher.
FOA launches new stock offering in Texas
The newly launched equities exchange is headquartered in Dallas and FOA will be among the handful of founding members.
New Western president speaks on PadSplit partnership
The collaboration will allow investors to access PadSplit’s model for converting single-family homes into shared living spaces.
eXp Realty’s Sumanth Kamath on AI and digital twins
Kamath described a sweeping AI strategy that includes everything from custom Chat GPT assistants and digital “twins” to document automation.
Fathom eyes more growth after stronger Q2
The brokerage believes its Elevate program holds the key to future success after returning to adjusted EBITDA profitability in Q2.
